System for assessing and prioritizing real time resource requirements

ABSTRACT

Embodiments of the present invention provide a positioned system for passive scanning and evaluation of various event execution of a user to determine future resource requirements for event execution. The system integrates bots for user applications, geolocation, and beacon recognitions to determine and make recommendations for event execution by the user. The system may extract and pull data and use the bots to pull into analytics to understand event patterning of the user. The system utilizes specificity filtering based on specifics of users and constantly, in real time updates a set of priority events for the user with a dynamic interaction and modifier occurring over time.

BACKGROUND

Event execution, subsequent analysis, and resolution of executed eventstypically require timely communication between multiple systems andentities. Thus systems lag in providing users with real time resourcerequirements for event execution. Therefore, there is a need for asystem to efficiently provide tailored solutions to facilitate executionof priorities and events.

SUMMARY

The following presents a simplified summary of the present disclosure inorder to provide a basic understanding of some aspects of the invention.This summary is not an extensive overview of the invention. It is notintended to identify key or critical elements of the invention or todelineate the scope of the invention. The following summary merelypresents some concepts of the invention in a simplified form as aprelude to the more detailed description provided below.

In some embodiments, the system is positioned to passively scan andevaluate various event execution of a user to determine future resourcerequirements for predictive event execution. The system studies userapplications, internet activities, fitness activities, geolocationactivities, and beacon recognitions to determine and makerecommendations for predictive event execution by the user. These eventsmay include financial events, health events, or the like, such as homebuying, health care cost, health care givers, or the like that the usermay be responsible for. The system may access data via bots based onuser permissions. The system may extract and pull data and use the botsto pull into analytics to understand event patterning of the user. Thesystem utilizes specificity filtering based on specifics of users andconstantly, in real time updates a set of priority events for the user.This list is dynamic and changing over time. The list may be sourced tothe user via selectable interface to ensure that the perceived priorityevents match the user's priorities. The system may further modify andfilter the data to remove false indications that do not match the user.The data can be used to prompt the user for new products and services.In this way, the system studies customer applications, web activities,fitness activities, geolocation, and beacons data to determine andprovide assessment and prioritization of real time resourcerequirements.

Embodiments of the present invention address the above needs and/orachieve other advantages by providing apparatuses (e.g., a system,computer program product and/or other devices) and methods for real timeassessment and prioritization of resource requirements and allocations,the invention comprising: receiving authentication from a user for realtime assessment and prioritization application within a user network;identifying one or more devices and resource pools across the usernetwork associated with the user; deploying bots at one or morelocations across the user network; initiating passive scanning via thebots, wherein passive scanning identifies data communications associatedthe user; performing event patterning analytics, wherein patternanalytics transform data communications associated with the user topredicted user events; generating a dynamic filtered event priority listlisting the predicted user events from the patterning analytics; andpresenting a real time version of the dynamic filtered event prioritylist to the user, via an interface associated with a user device,wherein the dynamic filtered event priority list is interactive for userconfirmation of predicted user events.

In some embodiments, the invention further comprises integrating productdeployment into user applications based on user confirmation ofpredicted user events, wherein the product is a financial productassociated with the predicted user event.

In some embodiments, the invention further comprises, upon receivinguser confirmation of predicted user event, provide a communicablefeedback loop to the patterning analytics confirming model predictionaccuracy.

In some embodiments, deploying passive bots at one or more locationsacross the user network further comprises systematic passive scanning ofcommunications across each of the one or more devices and resource poolsacross the user network associated with the user.

In some embodiments, initiating passive scanning via the bots furthercomprises extracting data across the user network for identification ofcurrent or historic user events, wherein user events include financial,social, or location modification events of the user.

In some embodiments, deploying passive bots at one or more locationsacross the user network further comprises deploying passive bots at userapplications, fitness applications, beacon applications, internetportals, geolocation devices, and financial applications.

In some embodiments, performing event patterning analytics furthercomprises comparing data communications associated with the user tomodels indication one or more user events to predict a future userevents that the user is in preparation.

In some embodiments, presenting the real time version of the dynamicfiltered event priority list to the user via the interface associatedwith the user device further comprises integrating within the userdevice and displacing a current display on the user device with thedynamic filtered event priority list.

The features, functions, and advantages that have been discussed may beachieved independently in various embodiments of the present inventionor may be combined with yet other embodiments, further details of whichcan be seen with reference to the following description and drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described some embodiments of the present invention ingeneral terms, reference will now be made to the accompanying drawings,where:

FIG. 1 presents an assessment and prioritization system environment, inaccordance with one embodiments of the present invention;

FIG. 2, presents a block diagram illustrating a mobile deviceillustrated in FIG. 1, in accordance with embodiments of the presentinvention;

FIG. 3 presents a block diagram illustrating a computing deviceillustrated in FIG. 1, in accordance with embodiments of the presentinvention;

FIG. 4 presents a block diagram illustrating the entity system(s) ofFIG. 1, in accordance with embodiments of the present invention;

FIG. 5 presents a block diagram illustrating the life plan system ofFIG. 1, in accordance with embodiments of the present invention;

FIG. 6 presents a process flow for assessment and prioritization systemsetup and deployment, in accordance with embodiments of the presentinvention;

FIG. 7 presents a process flow for passive scan bot deployment locationsand logistics, in accordance with embodiments of the present invention;and

FIG. 8 presents a process flow for real time updating and productdeployment within the assessment and prioritization network, inaccordance with embodiments of the present invention.

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION

Embodiments of the present invention will now be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure will satisfy applicablelegal requirements. Where possible, any terms expressed in the singularform herein are meant to also include the plural form and vice versa,unless explicitly stated otherwise. Also, as used herein, the term “a”and/or “an” shall mean “one or more,” even though the phrase “one ormore” is also used herein. Furthermore, when it is said herein thatsomething is “based on” something else, it may be based on one or moreother things as well. In other words, unless expressly indicatedotherwise, as used herein “based on” means “based at least in part on”or “based at least partially on.” Like numbers refer to like elementsthroughout.

In accordance with embodiments of the invention, the terms “entity” mayinclude any organization that processes financial transactionsincluding, but not limited to, banks, credit unions, savings and loanassociations, investment companies, stock brokerages, asset managementfirms, insurance companies and the like. In accordance with embodimentsof the invention, the terms “third party system” and “other third partysystems” may include any organizations including, but not limited to,photo identification issuing agencies, network managing organizations,email managing organizations, and/or the like. Furthermore, embodimentsof the present invention use the term “user” or “customer.” It will beappreciated by someone with ordinary skill in the art that the user orcustomer may be a customer of the financial institution or a potentialcustomer of the financial institution or an employee of the financialinstitution.

In accordance with embodiments of the invention, a “resource pool” or an“account” is the relationship that a customer has with an entity, suchas a financial institution. Examples of accounts include a depositaccount, such as a transactional account (e.g., a banking account), asavings account, an investment account, a money market account, a timedeposit, a demand deposit, a pre-paid account, a credit account, adebit/deposit account, a non-monetary user profile that includesinformation associated with the user, or the like. The account isassociated with and/or maintained by the entity.

Many of the example embodiments and implementations described hereincontemplate interactions engaged in by a user with a computing deviceand/or one or more communication devices and/or secondary communicationdevices. A “user”, as referenced herein, may refer to an entity orindividual that has the ability and/or authorization to access and useone or more resources or portions of a resource. Furthermore, as usedherein, the term “user computing device” or “mobile device” may refer tomobile phones, computing devices, tablet computers, wearable devices,smart devices and/or any portable electronic device capable of receivingand/or storing data therein.

A “user interface” is any device or software that allows a user to inputinformation, such as commands or data, into a device, or that allows thedevice to output information to the user. For example, the userinterface include a graphical user interface (GUI) or an interface toinput computer-executable instructions that direct a processing deviceto carry out specific functions. The user interface typically employscertain input and output devices to input data received from a usersecond user or output data to a user. These input and output devices mayinclude a display, mouse, keyboard, button, touchpad, touch screen,microphone, speaker, LED, light, joystick, switch, buzzer, bell, and/orother user input/output device for communicating with one or more users.

A “system environment”, as used herein, may refer to any informationtechnology platform of an enterprise (e.g., a national or multi-nationalcorporation) and may include a multitude of servers, machines,mainframes, personal computers, network devices, front and back endsystems, database system and/or the like.

In some embodiments, the system is positioned to passively scan andevaluate various event execution of a user to determine future resourcerequirements for predictive event execution. The system studies userapplications, internet activities, fitness activities, geolocationactivities, and beacon recognitions to determine and makerecommendations for predictive event execution by the user. These eventsmay include financial events, health events, or the like, such as homebuying, health care cost, health care givers, or the like that the usermay be responsible for. The system may access data via bots based onuser permissions. The system may extract and pull data and use the botsto pull into analytics to understand event patterning of the user. Thesystem utilizes specificity filtering based on specifics of users andconstantly, in real time updates a set of priority events for the user.This list is dynamic and changing over time. The list may be sourced tothe user via selectable interface to ensure that the perceived priorityevents match the user's priorities. The system may further modify andfilter the data to remove false indications that do not match the user.The data can be used to prompt the user for new products and services.In this way, the system studies customer applications, web activities,fitness activities, geolocation, and beacons data to determine andprovide assessment and prioritization of real time resourcerequirements.

FIG. 1 illustrates an assessment and prioritization system environment100, in accordance with one embodiments of the present invention. Asdepicted in the embodiment of FIG. 1, the system environment 100 mayinclude a life plan system 500 interacting with an entity system 400 anda user 105 using a network 150. In some embodiments, the life plansystem 500 may be maintained by the entity. In some embodiments, thelife plan system 500 may be owned by the entity and maintained by athird party. In some embodiments, the life plan system 500 may be a partof the entity system 400. In some embodiments, the user 105 may becustomer of the entity. In some embodiments, an associate with anassociate device may be associated with the entity and entity system400. The associate may be a financial solutions advisor, a customer careassociate, a lending specialist, and/or the like. In some embodiments,the system environment 100 may include other third party systems andother entity systems. In some embodiments, the life plan system 500 mayinteract simultaneously with a plurality of users and a plurality ofassociates associated with the entity.

The environment 100 also may include a plurality of user devices. Theuser devices may include any machine, apparatus, system or the like thatmay be connected to and communicate with other devices over a network150. At least one of the devices may include a computing device 300,other computing devices 301, and a mobile device 200 for use by the user105. The computing devices 301 may be any device that employs aprocessor and memory and can perform computing functions, such as acomputing device 300 or a mobile device 200, that may be connected to oraccess the network 150. The computing device 300 may include a personalcomputer such as a desktop computer, laptop computer, tablet or any typeof computing device that may be connected to a network by landline orwireless access such as wireless local area network (WLAN) such as Wi-Fibased on the Institute of Electrical and Electronics Engineers' (IEEE)802.11 standards, Bluetooth short-wavelength UHF radio waves in the ISMband from 2.4 to 2.485 GHz or other wireless access technology. As usedherein, the mobile device 200 may include any mobile communicationdevice, such as a cellular telecommunications device (i.e., a cell phoneor mobile phone), personal digital assistant (PDA), a mobile Internetaccessing device, tablet computer, or other mobile device. A mobiledevice may connect to the network by a cellular telecommunicationsnetwork or by Wi-Fi, Bluetooth or other access technology.

FIG. 2 provides a block diagram illustrating a user's mobile device 200of FIG. 1 in more detail, in accordance with embodiments of theinvention. In one embodiment of the invention, the mobile device 200 isa mobile telephone. However, it should be understood that a mobiletelephone and the embodiment of the mobile device 200 shown in FIG. 2are merely illustrative of one type of mobile device 200 that maybenefit from, employ, or otherwise be involved with embodiments of thepresent invention and, therefore, should not be taken to limit the scopeof embodiments of the present invention. Other types of mobile devices200 may include portable digital assistants (PDAs), pagers, tablets,mobile televisions, gaming devices, laptop computers, cameras, videorecorders, audio/video player, radio, Global Positioning Systems (GPS)devices, or any combination of the aforementioned. In some embodiments,the mobile device may be a wearable device.

Some embodiments of the mobile device 200 include a processor 210communicably coupled to such devices as a memory 220, user outputdevices 236, user input devices 240, and a network interface 260. Themobile device 200 further includes a power source 215, such as abattery, for powering various circuits and other devices that are usedto operate the mobile device 200. Embodiments of the mobile device 200may also include a clock or other timer 250 configured to determine and,in some cases, communicate actual or relative time to the processor 210or one or more other devices. The processor 210, and other processingdevices described herein, generally include circuitry for implementingcommunication and/or logic functions of the associated device. Forexample, the processor 210 may include a digital signal processordevice, a microprocessor device, and various analog to digitalconverters, digital to analog converters, and/or other support circuits.Control and signal processing functions of the mobile device 200 areallocated between these devices according to their respectivecapabilities. The processor 210 thus may also include the functionalityto encode and interleave messages and data prior to modulation andtransmission. The processor 210 can additionally include an internaldata modem. Further, the processor 210 may include functionality tooperate one or more software programs, which may be stored in the memory220. For example, the processor 210 may be capable of operating aconnectivity program, such as a web browser application 222. The webbrowser application 222 may then allow the mobile device 200 to transmitand receive web content, such as, for example, location-based contentand/or other web page content, according to a Wireless ApplicationProtocol (WAP), Hypertext Transfer Protocol (HTTP), and/or the like. Thememory device 220 may include other applications such as e-mailapplication 224 and SMS application 223.

The processor 210 is configured to use the network interface 260 tocommunicate with one or more other devices on the network 150. In thisregard, the network interface 260 includes an antenna 276 operativelycoupled to a transmitter 274 and a receiver 272 (together a“transceiver”). The processor 210 is configured to provide signals toand receive signals from the transmitter 274 and receiver 272,respectively. The signals may include signaling information inaccordance with the air interface standard of the applicable cellularsystem of the wireless telephone network 152. In this regard, the mobiledevice 200 may be configured to operate with one or more air interfacestandards, communication protocols, modulation types, and access types.By way of illustration, the mobile device 200 may be configured tooperate in accordance with any of a number of first, second, third,and/or fourth-generation communication protocols and/or the like. Forexample, the mobile device 200 may be configured to operate inaccordance with second-generation (2G) wireless communication protocolsIS-136 (time division multiple access (TDMA)), GSM (global system formobile communication), and/or IS-95 (code division multiple access(CDMA)), or with third-generation (3G) wireless communication protocols,such as Consolidated Mobile Telecommunications System (UMTS), CDMA2000,wideband CDMA (WCDMA) and/or time division-synchronous CDMA (TD-SCDMA),with fourth-generation (4G) wireless communication protocols, with LTEprotocols, with 3GPP protocols, with fifth-generation (5G) wirelesscommunication protocols, and/or the like. The mobile device 200 may alsobe configured to operate in accordance with non-cellular communicationmechanisms, such as via a wireless local area network (WLAN) or othercommunication/data networks.

The network interface 260 may also include a near field communication(NFC) interface 270. As used herein, the phrase “NFC interface”generally refers to hardware and/or software that is configured tocontactlessly and/or wirelessly send and/or receive information overrelatively short ranges (e.g., within four inches, within three feet,within fifteen feet, and the like). The NFC interface 270 may include asmart card, key card, proximity card, Bluetooth® device, radio frequencyidentification (RFID) tag and/or reader, transmitter, receiver, and/orthe like. In some embodiments, the NFC interface 270 communicatesinformation via radio, infrared (IR), and/or optical transmissions. Insome embodiments, the NFC interface 270 is configured to operate as anNFC transmitter and/or as an NFC receiver (e.g., an NFC reader). Also,it will be understood that the NFC interface 270 may be embedded, built,carried, and/or otherwise supported in and/or on the mobile device 200.In some embodiments, the NFC interface 270 is not supported in and/or onthe mobile device 200, but the NFC interface 270 is otherwiseoperatively connected to the mobile device 200 (e.g., where the NFCinterface 270 is a peripheral device plugged into the mobile device200). Other apparatuses having NFC interfaces mentioned herein may beconfigured similarly. In some embodiments, the NFC interface 270 of themobile device 200 is configured to contactlessly and/or wirelesslycommunicate information to and/or from a corresponding NFC interface ofanother apparatus (e.g., a wearable device or another mobile orcomputing device).

As described above, the mobile device 200 has a user interface that maybe made up of user output devices 236 and/or user input devices 240. Theuser output devices 236 include a display 230 (e.g., a liquid crystaldisplay or the like) and a speaker 232 or other audio device, which areoperatively coupled to the processor 210. The user input devices 240,which allow the mobile device 200 to transmit data, may include any of anumber of devices allowing the mobile device 200 to transmit data, suchas a keypad, keyboard, touch-screen, touchpad, microphone, mouse,joystick, other pointer device, button, soft key, and/or other inputdevice(s). The user interface may also include a camera 280, such as adigital camera.

The mobile device 200 may also include a positioning system device 275that is configured to be used by a positioning system to determine alocation of the mobile device 200. For example, the positioning systemdevice 275 may include a GPS transceiver. In some embodiments, thepositioning system device 275 is at least partially made up of theantenna 276, transmitter 274, and receiver 272 described above. Forexample, in one embodiment, triangulation of cellular signals may beused to identify the approximate location of the mobile device 200. Inother embodiments, the positioning system device 275 includes aproximity sensor or transmitter, such as an RFID tag, that can sense orbe sensed by devices known to be located proximate a location todetermine that the mobile device 200 is located proximate these knowndevices.

The memory 220 is operatively coupled to the processor 210. As usedherein, “memory” or “memory device” includes any computer readablemedium (as defined herein below) configured to store data, code, orother information. The memory 220 may include volatile memory, such asvolatile Random Access Memory (RAM) including a cache area for thetemporary storage of data. The memory 220 may also include non-volatilememory, which can be embedded and/or may be removable. The non-volatilememory can additionally or alternatively include an electricallyerasable programmable read-only memory (EEPROM), flash memory or thelike.

The memory 220 can store any of a number of applications which includecomputer-executable instructions/code executed by the processor 210 toimplement the functions of the mobile device 200 and/or one or more ofthe process/method steps described herein. The memory 220 includes anentity application 221 that may be used to allow communication with anentity system such as the entity system 400 and/or the smart devices toimplement the system of the invention. The use of the entity application221 may facilitate access to the system of the invention by providinglog-in systems including user authentication systems, accountinformation, system controls or the like. The memory 220 includes a lifeplan application 225 that may be used to communicate with the life plansystem 500. The entity application 221 and life plan application 225communicate with the life plan system 500 and the entity system 400 toallow the user to set up and/or control the system of the invention. Insome embodiments, the entity application 221 is an online bankingapplication. In some embodiments, the entity application 221 and lifeplan application 225 are part of a single application.

These applications also typically provide a graphical user interface(GUI) on the display 230 that allows the user 105 to communicate withthe mobile device 200, the entity system 400 and/or other devices orsystems. For example, the life plan application 225 and the entityapplication 221 may provide a life plan user interface for the user 105.The life plan application 225 installed on user devices such as themobile device 200 may provide different functions and differentinterfaces to the user 105 to perform one or more steps of process flowsdescribed herein. The memory 220 can also store any of a number ofpieces of information, and data, used by the mobile device 200 and theapplications and devices that make up the mobile device 200 or are incommunication with the mobile device 200 to implement the functions ofthe mobile device 200 and/or the other systems described herein. Forexample, the memory 220 may include such data as user authenticationinformation.

Referring now to FIG. 3, the computing device 300 also includes variousfeatures, such as a network communication interface 310, a processingdevice 320, a user interface 330, and a memory device 350. The networkcommunication interface 310 includes a device that allows the computingdevice 300 to communicate over the network 150 (shown in FIG. 1). In oneembodiment of the invention, a network browsing application 355 providesfor a user to establish network communication with an entity system 400and life plan system 500.

As used herein, a “processor” or “processing device,” such as theprocessing device 320, generally refers to a device or combination ofdevices having circuitry used for implementing the communication and/orlogic functions of a particular system. For example, a processing device320 may include a digital signal processor device, a microprocessordevice, and various analog-to-digital converters, digital-to-analogconverters, and other support circuits and/or combinations of theforegoing. Control and signal processing functions of the system areallocated between these processing devices according to their respectivecapabilities. The processing device 320 may further includefunctionality to operate one or more software programs based oncomputer-executable program code thereof, which may be stored in memorydevice 350. As the phrase is used herein, a processor or processingdevice may be “configured to” perform a certain function in a variety ofways, including, for example, by having one or more general-purposecircuits perform the function by executing particularcomputer-executable program code embodied in computer-readable medium,and/or by having one or more application-specific circuits perform thefunction.

As used herein, a “user interface” generally includes a plurality ofinterface devices and/or software that allow a customer to inputcommands and data to direct the processing device to executeinstructions. For example, the user interface 330 presented in FIG. 3may include a graphical user interface (GUI) or an interface to inputcomputer-executable instructions that direct the processing device 320to carry out specific functions. In one exemplary embodiment of thepresent invention, the graphical user interface may be a life plan userinterface for the user 105 provided by the system to receive input anddisplay information to the user 105. The user interface 330 employscertain input and output devices as previously described with referenceto FIGS. 1 and 2. These input and output devices may include a display,mouse, keyboard, button, touchpad, touch screen, microphone, speaker,LED, light, joystick, switch, buzzer, bell, and/or other userinput/output device for communicating with one or more users.

As used herein, a “memory” or “memory device” generally refers to adevice or combination of devices that store one or more forms ofcomputer-readable media for storing data and/or computer-executableprogram code/instructions. Computer-readable media is defined in greaterdetail below. For example, in one embodiment, the memory device 350includes any computer memory that provides an actual or virtual spacefor temporarily or permanently storing data and/or commands provided tothe processing device 320 when it carries out its functions describedherein. The memory device 350 may include such applications as aconventional network browsing application 355, an entity application356, a life plan application 358 and/or the like. The entity application356 may be used to allow communication with an entity system, such asthe entity system 400. The life plan application 358 may be used toallow communication with the life plan system 500 and the entity system400 to implement one or more actions. The other computing devices 301 asshown in FIG. 1 may include similar system blocks as the computingdevice 300.

FIG. 4 provides a block diagram illustrating the entity system 400, ingreater detail, in accordance with embodiments of the invention. Asillustrated in FIG. 4, in one embodiment of the invention, the entitysystem 400 includes one or more processing devices 420 operativelycoupled to a network communication interface 410 and a memory device450. In certain embodiments, the entity system 400 is operated by anentity, such as a financial institution.

It should be understood that the memory device 450 may include one ormore databases or other data structures/repositories. In one embodimentsof the present invention, the memory device 450 includes data storescomprising information about one or more resource pools associated witha plurality of users associated with the entity. The memory device 450also includes computer-executable program code that instructs theprocessing device 420 to operate the network communication interface 410to perform certain communication functions of the entity system 400described herein. For example, in one embodiment of the entity system400, the memory device 450 includes, but is not limited to, a networkserver application 460, an authentication application 470, user resourcepool data 475, a life plan application 480, an entity application 485including a mobile web server application 483, and othercomputer-executable instructions or other data. The computer-executableprogram code of the network server application 460, the authenticationapplication 470, life plan application 480, or the entity application485 may instruct the processing device 420 to perform certain logic,data-processing, and data-storing functions of the entity system 400described herein, as well as communication functions of the entitysystem 400. The entity application 485 communicates with the userdevices to facilitate communication between the user and the entity. Theentity application 485 may be a mobile banking application. In oneembodiment, the life plan application 480 may be a part of the entityapplication 485.

In one embodiment, the network server application 460, theauthentication application 470, and the entity application 485 areconfigured to invoke or use the customer authentication data stored inthe memory when authenticating a user to the entity system 400. In someembodiments, the life plan application 480 allows communication with thelife plan system 500. The user resource pool data 475 comprisesinformation of all resource pools of a plurality of users associatedwith the entity managing the entity system 400.

As used herein, a “communication interface” generally includes a modem,server, transceiver, and/or other device for communicating with otherdevices on a network. The network communication interface 410 is acommunication interface having one or more communication devicesconfigured to communicate with one or more other devices on the network150, such as the mobile device 200, the computing device 300, othercomputing devices 301, and life plan system 500. The processing device420 is configured to use the network communication interface 410 totransmit and/or receive data and/or commands to and/or from the otherdevices connected to the network 150.

FIG. 5 presents a block diagram illustrating the life plan system 500,in accordance with embodiments of the invention. As illustrated in FIG.4, in one embodiment of the invention, the life plan system 500 includesone or more processing devices 520 operatively coupled to a networkcommunication interface 510 and a memory device 550. In certainembodiments, the life plan system 500 is operated by an entity, such asa financial institution.

It should be understood that the memory device 550 may include one ormore databases or other data structures/repositories. The memory device550 also includes computer-executable program code that instructs theprocessing device 520 to operate the network communication interface 510to perform certain communication functions of the life plan system 500described herein. For example, in one embodiment of the life plan system500, the memory device 550 includes, but is not limited to, a networkserver application 570, an authentication application 560, a dataacquisition application 575, a life plan application 580, an artificialintelligence engine 585, a data store 595 and an entity application 590including a web server application 593, and other computer-executableinstructions or other data. The computer-executable program code of thenetwork server application 570, the authentication application 560, thedata acquisition application 575, the life plan application 580, theartificial intelligence engine 585, the entity application 590, or theweb server application 593 may instruct the processing device 520 toperform certain logic, data-processing, and data-storing functions ofthe life plan system 500 described herein, as well as communicationfunctions of the life plan system 500. The entity application 590 andthe life plan application 580 may be part of the same application. Thedata acquisition application 575 communicates with the entity system 400to extract resource pool data associated with a plurality of users. Thelife plan application 580 or the entity application 590 communicate withthe entity application 221 or the life plan application 225 in themobile device 200 and entity application 356 or life plan application358 in the computing device 300 to facilitate one or more steps in theprocess flows described herein. The data store 595 may include life plandata associated with the plurality of users.

As used herein, a “communication interface” generally includes a modem,server, transceiver, and/or other device for communicating with otherdevices on a network. The network communication interface 510 is acommunication interface having one or more communication devicesconfigured to communicate with one or more other devices on the network150, such as the mobile device 200, the computing device 300, and/orother computing devices 301. The processing device 520 is configured touse the network communication interface 510 to transmit and/or receivedata and/or commands to and/or from the other devices connected to thenetwork 150.

Furthermore, as used herein, a “memory device” generally refers to adevice or combination of devices that store one or more forms ofcomputer-readable media and/or computer-executable programcode/instructions. Computer-readable media is defined in greater detailbelow. For example, in one embodiment, the memory device 550 includesany computer memory that provides an actual or virtual space fortemporarily or permanently storing data and/or commands provided to theprocessing device 520 when it carries out its functions describedherein.

FIG. 6 presents a process flow for assessment and prioritization systemsetup and deployment 600, in accordance with embodiments of the presentinvention. As illustrated in block 610, the process 600 is initiated byreceiving authorization from the user for system integration. In thisway, the user may provide authorization for system integration withinthe user mobile device for assessment and prioritization of resourcerequirements. The user may provide authentication via the user mobiledevice or at an entity location. The user authentication may be a singleauthentication for the system to be initiated.

As illustrated in block 612, the process 600 continues by integratingand positioning the system for passive scan application of the user.This may include scan of the user device, user transactions, userevents, user actions, and the like. In this way, the system mayintegrate bots into the user device to studies applications, webactivities, fitness activities, geolocations, and beacons to identifyevents the user has performed. As illustrated in block 614, the systemmay imitate scanning of user applications via bot deployment. In thisway, the bots may passively scan the user systems to identifycommunications, resource distributions, locations, and the likeassociated with the user. The bot deployment may compile a series ofdata points that link together based on known modeling to identify anevent, such as a life event that may be occurring in a user's life.These events may include financial events, social events, milestoneevents, or the like.

As illustrated in block 616, the process 600 continues by identifyingcurrent events the user is or has been a part of based on the scanningof the applications with the bot deployment. In this way, the botspassively scan and gather data. The gathered data is compared to modelsthat provide a prediction of one or more life events occurring to theuser at that time. These data points are then passed, in real time, tothe system for event patterning analytics. As illustrated in block 618,the system may perform event patterning analytics on the data scannedvia the passive bot integration.

Once the event patterning analytics are conducted, the system maygenerate a dynamic filtered event priority list, as illustrated in block620. The event priority list may be a list of predicted events that maybe in the future for the user. These events may include financialevents, social events, life events, or the like. The user may be savingresources for the event, spending resources in preparation for theevent, traveling for the event, or the like. The bots may identifytrends in the resource distribution and geographic location of the userthat predict that the user is preparing for one or more of these events.The list may be dynamic in that the list may change in real time basedon bot data scanned and processed. The real time dynamic filtered eventpriority list may be presented to the user, as illustrated in block 622.The event priority list may be provided to the user via an interface onthe user mobile device. The list may be generated and provided on theinterface independent of the application or program being ran on thedevice. The priority list may be interactive such that the user may beable confirm that the events on the list are in fact the user'spriorities. Upon confirmation, the system may provide a feedback loop tothe analytics indicating that the data extracted by the bots did conformto the model of a user future predicted event based on the userconfirmation. Finally, as illustrated in block 624, the process 600 iscompleted by displaying and prompting potential new product and servicedevelopments to the user based on the events on the filtered eventpriority list.

The system may identify life events such as “job change,”“marriage/divorce,” “welcome a child,” “buy/sell home,” “upcomingtravel,” “retirement,” “end of life,” and/or the like. The system basedon the extracted information associated with the bots and performedpattern analytics may identify the one or more events that the user iscurrently in. For example, the system may identify that one or moretransactions, locations, or the like based on passive bot scanningassociated with the resource pools that are related to buying a crib andother baby related products and may predict the event “welcome a child.”In some cases, the system may periodically prompt the user, via theinterface, to identify any upcoming events. In some embodiments, thesystem may identify the one or more events based on social networkingbot scanning. For example, the system may identify the event “jobchange” based on identifying that the user has updated job title oremployer in the social networking page. In some other embodiments, thesystem may identify the one or more events based on information based onemail accounts passive bot scanning. For example, the system mayidentify the event “upcoming travel” by accessing travel itinerary ofthe user from the email account of the user. In some embodiments, thesystem in response to identifying the one or more events, displays it tothe user via the interface.

The system, based on identifying the one or more events, generates alist of predicted upcoming events and task associated with each of thepredicted events. For example, the system identifies that the user isabout to experience “a job change” and may create a list of tasks suchas updating addresses associated with one or more accounts of the userand/or the like. In another example, wherein the event is identified asmarriage, the system may create a list of tasks including adding spouseto one or more accounts of the user, opening a joint account, ordering anew debit card, and/or the like. The system may store the list and thetasks associated with each of the events on the list in the data store.

In some embodiments, the event priority list may be dynamic andchanging. In this way, the system may receive input from the user,wherein the user input is associated with a change in the at least onepotential event associated with the user. In some embodiments, the usermay input the change via the interface. In alternate embodiments, theassociate may input the change via an interface. The system may, in realtime, generate a new list, dynamically accepting the user change alongwith a task associated with the change based on receiving the user inputfrom the user. The new list and task associated with the user may bestored in the data store, which may be presented to the user via theinterface.

FIG. 7 presents a process flow for passive scan bot deployment locationsand logistics 700, in accordance with embodiments of the presentinvention. As illustrated, the passive scanning application with botdeployment is illustrated in block 702. The passive scanning applicationwith bot deployment may deploy bots for passive scanning of one or moreapplications, beacons, geolocation identifiers, or the like associatedwith a user to obtain passive data points. The bots may be deployed inuser applications 704, fitness applications 708, beacon recognitions712, internet activities 706, geolocations 710, and/or financialapplications 714.

In some embodiments, bots may be deployed to passively extract data fromuser applications 704. In this way, the system may deploy bots to scanuser applications on a mobile device associated with the user. In someembodiments, bots may be deployed to passively extract data from fitnessapplications 708, such as electronic devices, applications, or the likethat calculate the health of the user. In some embodiments, bots may bedeployed to passively extract data from beacon recognitions 712. In thisway, the beacons may be at one or more locations at various entities toidentify a location of the user and the transactions associated with thelocations. In some embodiments, bots may be deployed to passivelyextract data from internet activities 706. In this way, the system mayidentify the user internet applications and deploy bots to scantransactions and the like associated with user internet activity. Insome embodiments, bots may be deployed to passively extract data fromgeolocations 710 such as user GPS devices, mobile devices, or the likeidentifying user locations. In some embodiments, bots may be deployed topassively extract data from financial applications 714 associated withthe user to identify recent resource allocations and deployments.

The system may extract and pull data and use the bots to pull intoanalytics to understand event patterning of the user. The systemutilizes specificity filtering based on specifics of users andconstantly, in real time updates a set of priority events for the user.This list is dynamic and changing over time. The list may be sourced tothe user via selectable interface to ensure that the perceived priorityevents match the user's priorities. The system may further modify andfilter the data to remove false indications that do not match the user.The data can be used to prompt the user for new products and services.In this way, the system studies customer applications, web activities,fitness activities, geolocation, and beacons data to determine andprovide assessment and prioritization of real time resourcerequirements.

FIG. 8 presents a process flow for real time updating and productdeployment within the assessment and prioritization network 800, inaccordance with embodiments of the present invention. As illustrated inblock 810, the process 800 is initiated by presenting the real timedynamic filtered event priority list to the user. The event prioritylist may be provided to the user via an interface on a user device. Thelist may be presented to the user independent on the applicationcurrently running on the user device. The system, independent of theapplication on the user device, may allow for user interaction andmanipulation of the list via the user device, as illustrated in block812. As such, the user may be able to view and manipulate the list viathe interface of the user device.

As illustrated in block 814, the process 800 continues by integratingthe user manipulation into pattern analytics. In this way, the systemmay perform a check of the predicted dynamic event priority list thatthe system predicts with user confirmation of the list. Next, asillustrated in block 816, the process 800 continues by displayingproducts or services to the user based on the modified event prioritylist. The list includes the system determined list with confirmationsand/or modifications from the user.

Finally, as illustrated in block 818, the process 800 is completed bydeploying the products, upon user authorization, to one or moreapplications for user utilization and deployment.

As will be appreciated by one of skill in the art, the present inventionmay be embodied as a method (including, for example, acomputer-implemented process, a business process, and/or any otherprocess), apparatus (including, for example, a system, machine, device,computer program product, and/or the like), or a combination of theforegoing. Accordingly, embodiments of the present invention may takethe form of an entirely hardware embodiment, an entirely softwareembodiment (including firmware, resident software, micro-code, and thelike), or an embodiment combining software and hardware aspects that maygenerally be referred to herein as a “system.” Furthermore, embodimentsof the present invention may take the form of a computer program producton a computer-readable medium having computer-executable program codeembodied in the medium.

Any suitable transitory or non-transitory computer readable medium maybe utilized. The computer readable medium may be, for example but notlimited to, an electronic, magnetic, optical, electromagnetic, infrared,or semiconductor system, apparatus, or device. More specific examples ofthe computer readable medium include, but are not limited to, thefollowing: an electrical connection having one or more wires; a tangiblestorage medium such as a portable computer diskette, a hard disk, arandom access memory (RAM), a read-only memory (ROM), an erasableprogrammable read-only memory (EPROM or Flash memory), a compact discread-only memory (CD-ROM), or other optical or magnetic storage device.

In the context of this document, a computer readable medium may be anymedium that can contain, store, communicate, or transport the programfor use by or in connection with the instruction execution system,apparatus, or device. The computer usable program code may betransmitted using any appropriate medium, including but not limited tothe Internet, wireline, optical fiber cable, radio frequency (RF)signals, or other mediums.

Computer-executable program code for carrying out operations ofembodiments of the present invention may be written in an objectoriented, scripted or unscripted programming language. However, thecomputer program code for carrying out operations of embodiments of thepresent invention may also be written in conventional proceduralprogramming languages, such as the “C” programming language or similarprogramming languages.

Embodiments of the present invention are described above with referenceto flowchart illustrations and/or block diagrams of methods, apparatus(systems), and computer program products. It will be understood thateach block of the flowchart illustrations and/or block diagrams, and/orcombinations of blocks in the flowchart illustrations and/or blockdiagrams, can be implemented by computer-executable program codeportions. These computer-executable program code portions may beprovided to a processor of a general purpose computer, special purposecomputer, or other programmable data processing apparatus to produce aparticular machine, such that the code portions, which execute via theprocessor of the computer or other programmable data processingapparatus, create mechanisms for implementing the functions/actsspecified in the flowchart and/or block diagram block or blocks.

These computer-executable program code portions may also be stored in acomputer-readable memory that can direct a computer or otherprogrammable data processing apparatus to function in a particularmanner, such that the code portions stored in the computer readablememory produce an article of manufacture including instructionmechanisms which implement the function/act specified in the flowchartand/or block diagram block(s).

The computer-executable program code may also be loaded onto a computeror other programmable data processing apparatus to cause a series ofoperational steps to be performed on the computer or other programmableapparatus to produce a computer-implemented process such that the codeportions which execute on the computer or other programmable apparatusprovide steps for implementing the functions/acts specified in theflowchart and/or block diagram block(s). Alternatively, computer programimplemented steps or acts may be combined with operator or humanimplemented steps or acts in order to carry out an embodiment of theinvention.

As the phrase is used herein, a processor may be “configured to” performa certain function in a variety of ways, including, for example, byhaving one or more general-purpose circuits perform the function byexecuting particular computer-executable program code embodied incomputer-readable medium, and/or by having one or moreapplication-specific circuits perform the function.

Embodiments of the present invention are described above with referenceto flowcharts and/or block diagrams. It will be understood that steps ofthe processes described herein may be performed in orders different thanthose illustrated in the flowcharts. In other words, the processesrepresented by the blocks of a flowchart may, in some embodiments, be inperformed in an order other that the order illustrated, may be combinedor divided, or may be performed simultaneously. It will also beunderstood that the blocks of the block diagrams illustrated, in someembodiments, merely conceptual delineations between systems and one ormore of the systems illustrated by a block in the block diagrams may becombined or share hardware and/or software with another one or more ofthe systems illustrated by a block in the block diagrams. Likewise, adevice, system, apparatus, and/or the like may be made up of one or moredevices, systems, apparatuses, and/or the like. For example, where aprocessor is illustrated or described herein, the processor may be madeup of a plurality of microprocessors or other processing devices whichmay or may not be coupled to one another. Likewise, where a memory isillustrated or described herein, the memory may be made up of aplurality of memory devices which may or may not be coupled to oneanother.

While certain exemplary embodiments have been described and shown in theaccompanying drawings, it is to be understood that such embodiments aremerely illustrative of, and not restrictive on, the broad invention, andthat this invention not be limited to the specific constructions andarrangements shown and described, since various other changes,combinations, omissions, modifications and substitutions, in addition tothose set forth in the above paragraphs, are possible. Those skilled inthe art will appreciate that various adaptations and modifications ofthe just described embodiments can be configured without departing fromthe scope and spirit of the invention. Therefore, it is to be understoodthat, within the scope of the appended claims, the invention may bepracticed other than as specifically described herein.

INCORPORATION BY REFERENCE

To supplement the present disclosure, this application furtherincorporates entirely by reference the following commonly assignedpatent applications:

U.S. patent application Docket Number Ser. No. Title Filed On8812US1.014033.3372 To be SYSTEM FOR Concurrently assigned RESOURCEherewith REQUIREMENTS AGGREGATION AND CATEGORIZATION 8817US1.014033.3373To be SYSTEM FOR Concurrently assigned SMART herewith CONTRACT DEPENDENTRESOURCE TRANSFER 8813US1.014033.3378 To be SYSTEM FOR Concurrentlyassigned REAL TIME herewith PROVISIONING OF RESOURCES BASED ON CONDITIONMONITORING 8814US1.014033.3379 To be SYSTEM FOR Concurrently assignedREAL-TIME herewith TRANSMISSION OF DATA ASSOCIATED WITH TRIGGER EVENTS8816US1.014033.3380 To be NAVIGATION Concurrently assigned SYSTEM FORherewith MANAGING UTILIZATION OF RESOURCES

What is claimed is:
 1. A system for real time assessment andprioritization of resource requirements and allocations, the systemcomprises: a memory device; and a processing device operatively coupledto the memory device, wherein the processing device is configured toexecute computer-readable program code to: receive authentication from auser for real time assessment and prioritization application within auser network; identify one or more devices and resource pools across theuser network associated with the user; deploy bots at one or morelocations across the user network; initiate passive scanning via thebots, wherein passive scanning identifies data communications associatedthe user; perform event patterning analytics, wherein pattern analyticstransform data communications associated with the user to predicted userevents; generate a dynamic filtered event priority list listing thepredicted user events from the patterning analytics; and present a realtime version of the dynamic filtered event priority list to the user,via an interface associated with a user device, wherein the dynamicfiltered event priority list is interactive for user confirmation ofpredicted user events.
 2. The system of claim 1, further comprisingintegrating product deployment into user applications based on userconfirmation of predicted user events, wherein the product is afinancial product associated with the predicted user event.
 3. Thesystem of claim 1, further comprising, upon receiving user confirmationof predicted user event, providing a communicable feedback loop to thepatterning analytics confirming model prediction accuracy.
 4. The systemof claim 1, wherein deploying passive bots at one or more locationsacross the user network further comprises systematic passive scanning ofcommunications across each of the one or more devices and resource poolsacross the user network associated with the user.
 5. The system of claim1, wherein initiating passive scanning via the bots further comprisesextracting data across the user network for identification of current orhistoric user events, wherein user events include financial, social, orlocation modification events of the user.
 6. The system of claim 1,wherein deploying passive bots at one or more locations across the usernetwork further comprises deploying passive bots at user applications,fitness applications, beacon applications, internet portals, geolocationdevices, and financial applications.
 7. The system of claim 1, whereinperforming event patterning analytics further comprises comparing datacommunications associated with the user to models indication one or moreuser events to predict a future user events that the user is inpreparation.
 8. The system of claim 1, wherein presenting the real timeversion of the dynamic filtered event priority list to the user via theinterface associated with the user device further comprises integratingwithin the user device and displacing a current display on the userdevice with the dynamic filtered event priority list.
 9. A computerprogram product for real time assessment and prioritization of resourcerequirements and allocations, the computer program product comprising atleast one non-transitory computer-readable medium havingcomputer-readable program code portions embodied therein, thecomputer-readable program code portions comprising: an executableportion configured for receiving authentication from a user for realtime assessment and prioritization application within a user network; anexecutable portion configured for identifying one or more devices andresource pools across the user network associated with the user; anexecutable portion configured for deploying bots at one or morelocations across the user network; an executable portion configured forinitiating passive scanning via the bots, wherein passive scanningidentifies data communications associated the user; an executableportion configured for performing event patterning analytics, whereinpattern analytics transform data communications associated with the userto predicted user events; an executable portion configured forgenerating a dynamic filtered event priority list listing the predicteduser events from the patterning analytics; and an executable portionconfigured for presenting a real time version of the dynamic filteredevent priority list to the user, via an interface associated with a userdevice, wherein the dynamic filtered event priority list is interactivefor user confirmation of predicted user events.
 10. The computer programproduct of claim 9, further comprising an executable portion configuredfor integrating product deployment into user applications based on userconfirmation of predicted user events, wherein the product is afinancial product associated with the predicted user event.
 11. Thecomputer program product of claim 9, further comprising an executableportion configured for, upon receiving user confirmation of predicteduser event, providing a communicable feedback loop to the patterninganalytics confirming model prediction accuracy.
 12. The computer programproduct of claim 9, wherein deploying passive bots at one or morelocations across the user network further comprises systematic passivescanning of communications across each of the one or more devices andresource pools across the user network associated with the user.
 13. Thecomputer program product of claim 9, wherein initiating passive scanningvia the bots further comprises extracting data across the user networkfor identification of current or historic user events, wherein userevents include financial, social, or location modification events of theuser.
 14. The computer program product of claim 9, wherein deployingpassive bots at one or more locations across the user network furthercomprises deploying passive bots at user applications, fitnessapplications, beacon applications, internet portals, geolocationdevices, and financial applications.
 15. The computer program product ofclaim 9, wherein performing event patterning analytics further comprisescomparing data communications associated with the user to modelsindication one or more user events to predict a future user events thatthe user is in preparation.
 16. A computer-implemented method for realtime assessment and prioritization of resource requirements andallocations, the method comprising: providing a computing systemcomprising a computer processing device and a non-transitory computerreadable medium, where the computer readable medium comprises configuredcomputer program instruction code, such that when said instruction codeis operated by said computer processing device, said computer processingdevice performs the following operations: receiving authentication froma user for real time assessment and prioritization application within auser network; identifying one or more devices and resource pools acrossthe user network associated with the user; deploying bots at one or morelocations across the user network; initiating passive scanning via thebots, wherein passive scanning identifies data communications associatedthe user; performing event patterning analytics, wherein patternanalytics transform data communications associated with the user topredicted user events; generating a dynamic filtered event priority listlisting the predicted user events from the patterning analytics; andpresenting a real time version of the dynamic filtered event prioritylist to the user, via an interface associated with a user device,wherein the dynamic filtered event priority list is interactive for userconfirmation of predicted user events.
 17. The computer-implementedmethod of claim 16, further comprising upon receiving user confirmationof predicted user event, provide a communicable feedback loop to thepatterning analytics confirming model prediction accuracy.
 18. Thecomputer-implemented method of claim 16, wherein deploying passive botsat one or more locations across the user network further comprisessystematic passive scanning of communications across each of the one ormore devices and resource pools across the user network associated withthe user.
 19. The computer-implemented method of claim 16, whereindeploying passive bots at one or more locations across the user networkfurther comprises deploying passive bots at user applications, fitnessapplications, beacon applications, internet portals, geolocationdevices, and financial applications.
 20. The computer-implemented methodof claim 16, wherein presenting the real time version of the dynamicfiltered event priority list to the user via the interface associatedwith the user device further comprises integrating within the userdevice and displacing a current display on the user device with thedynamic filtered event priority list.